The debt shows up on report as Profit and Loss. You could also try another tactic and request validation of the debt from the original creditor. YOu have to modify what we normally post here, but you could make them "prove" all those extra charges. After the writeoff there shouldn't be any more interest until they get a judgment. Also, if they've sold the debt or taken a profit and loss writeoff, or received insurance for this debt.. then you have a reasonable defense to reduce the debt anyway.